Earn cash back for no annual fee

Plus, build your credit history by making at least your minimum monthly payments on time.

2%

1%

0.5%

 SPC+ logo

Get a free SPC+ membership with this credit card

Save up to 30% on over 450 top brands when you shop online or in-store. Plus, get exclusive access to special experiences, cash prizes, giveaways and more – all for free, only with CIBC!

Learn more about getting a free SPC+ membership.

Save up to 10 cents per litre on gas with CIBC and Journie Rewards

3 cents

+

7 cents

Maximize your cash back with these perks

Get cash back on demand

Earn cash back with CIBC Global Money Transfer™,6


Annual fee

$0

$0
for each additional card
(3 card maximum)

Interest rate (purchases)

RDS%rate[2].VSDIV.Published(null,null,6,null)(#R#)%9

Interest rate (cash)

RDS%rate[2].VSDIV.Published(null,null,3,null)(#R#)%9

RDS%rate[2].VSDIV.Published(null,null,90,null)(#O2#)%9
(for Quebec residents)

MINIMUM INCOME REQUIREMENT

$0

MINIMUM CREDIT LIMIT

$1,000

Valuable insurance included with your card10